> Bennetts Bike Insurance Terms & Conditions
> Bennetts Free Bike Classifieds Terms & Conditions
Bennetts Bike Insurance:
BISL Limited
Pegasus House
Bakewell Road
Orton Southgate
Peterborough
PE2 6YS
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Whose products do we offer?
We offer products from a range of insurers for bike insurance. We only offer products from a single insurer for:
- Legal Expenses Cover, underwritten by AmTrust Europe Limited and administered by ACM ULR Limited
- Personal Accident Cover, underwritten by Groupama Insurance Company Limited
- Helmet and Leathers Cover, underwritten by Equity Red Star
- RAC Breakdown and RAC Breakdown Plus, provided by RAC Motoring Services (RACMS)
- RAC Breakdown EU, provided by RAC Motoring Services (RACMS) and RAC Insurance Services Limited (RACIL)
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Which service will we provide you with?
You did not receive advice or a recommendation from us. We asked some questions to narrow down the selection of products that we provided details on. You then made your own choice about how to proceed.
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What will you have to pay us for our services?
Cancellation Fee
If you cancel your policy at anytime you will be charged a fee of £30.00
Administration Fee
Certain policy amendments are subject to a £25.00 administration fee.
Payment Handling Fee
A handling fee of up to £5.00 applies for card payments.
Payment Default Fee
If we need to resubmit a request for payment to your bank you will have to pay a £20.00 payment default fee.
Certificate Reprint Fee
If you lose your Certificate of Motor Insurance, or it is destroyed, and you want a duplicate you will have to pay a £15.00 reprint fee.
Renewal Arrangement Fee
When you renew your policy, a non-refundable fee of up to £30.00 may apply.
Policy Document Delivery Fee
If you chose to have your Policy Documents delivered by post, a fee of up to £2.00 will apply.
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Who Regulates us?
BISL Limited, Pegasus House, Bakewell Road Orton Southgate, Peterborough, PE2 6YS is authorised and regulated by the Financial Services Authority (FSA). Our FSA Register number is 308896.
Our permitted business is selling, administering and renewals of general insurance contracts.
You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.
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What to do if you have a complaint
Service Standards
We aim to provide a high level of service to all our customers but occasionally things can go wrong, when this happens we will do everything we can to put things right.
Complaints Procedure
If you have a complaint about our service or the administration of your policy, please contact us in the first instance by phoning Customer Services on 0844 412 2171. We will aim to resolve your complaint over the phone within 24hrs.
If your complaint is not resolved to your satisfaction within 24 hours, we will send you a written acknowledgement of your complaint together with the next steps we will be taking to resolve it. If you prefer to put your complaint in writing please send it to the Customer Relations Manager, Bennetts, Fusion House, Bretton Way, Peterborough, PE3 8BG.
Calls to our 0844 numbers cost 5p per minute from a BT landline. Network charges may vary and calls from mobile phones may be considerably more. Please check with your provider.
Next Steps
In the unlikely event that your complaint remains unresolved four weeks after being made, we will send you either our final response or a letter explaining why we are not yet in a position to resolve your complaint and advise you when we will be in contact again.
If after eight weeks of making your complaint we are still not in a position to issue you with our final response we will send you a letter explaining the reason for the delay and advise you of your right to complain to the Financial Ombudsman Service.
If following our final response your complaint has not been resolved to your satisfaction, you can refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
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Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation schemes arrangements is available from the FSCS.
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Your Obligations
You should answer all questions to the best of your knowledge and belief. If you are not sure of any answers, then you should disclose any information you think might be important. If the answers are incorrect, you may have no insurance or additional premiums could be payable, which BISL Limited reserves the right to collect.
Proof of No Claims Discount (NCD) may be required if you take out a policy to which a NCD has been applied. This proof should be a renewal notice, policy schedule or letter from your previous Insurance Company, which shows the main driver as the policyholder and the NCD earned. N.B. This NCD can only be used on one policy at any one time, and must have been used on a policy within the last 24 months.
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Data Protection Notification
By supplying data to us you provide information about yourself and others which the Data Protection Act defines as personal data or sensitive personal data. The Data Controller will be BISL Limited.
Data will be used by BISL Limited and other carefully selected companies for administration, renewal, claims handling, credit checking, marketing and research purposes and will be added to certain databases which may be checked by various organisations including the Police.
By supplying data to us you give explicit consent for all data provided to be used in this way until you tell us otherwise. For mutual security calls are recorded and may be monitored for training purposes.
Further details about the use of your data can be found in our privacy policy.
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Disclaimer
BISL Limited does not accept any liability for errors or omissions relating to information contained within this site. We reserve the right to change the site at any time. To the extent allowed by law we disclaim liability for any loss resulting from the use of the site or any material contained within the site.
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Copyright
BISL Limited owns the copyright to all material contained within this web site. No part of the material may be copied or reproduced for commercial use without prior written consent from BISL Limited.
This site is for personal use only. Commercial users must obtain prior authorisation from us in writing.
© 2000-2007 BISL Limited. All rights reserved.
Bennetts Classifieds Terms of Use
Bennetts Classifieds, (Classifieds) is operated by BISL Limited (registered in England with registration number 3231094 whose registered office is at Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS) (We, Us, Our). We provide Classifieds through Our website located at www.bennetts.co.uk/classifieds (the Site) to the individual, organisation or company accessing, using and/or registering to become a user of Classifieds (You, Your). By accessing, using and/or registering to use Classifieds You agree to comply with these Terms and the terms of Our privacy policy.
Please read these Terms carefully as they are a legally binding agreement and contain important information on Your legal rights and obligations.
1. Whose products do we offer?
1 Use of Bennetts Classifieds
1.1 We provide Classifieds free of charge. We may withdraw Classifieds without notice at any time.
2 Registration
2.1 To use Classifieds You must complete an online registration form (Your "Registration Data"). You may only register on behalf of Yourself or Your business.
2.2 All Registration Data must be valid, up-to-date, complete and accurate. If You do not provide all required Registration Data We may refuse to activate an account for You.
2.3 By submitting Your Registration Data You consent to Us taking any steps which We consider reasonably necessary to verify it.
2.4 We may terminate or block Your account or restrict Your access to Classifieds if We reasonably believe You have breached these Terms.
3 Submitting Advertisements
3.1 Once You have registered You may submit advertisements for listing on Classifieds (Ads). By submitting an Ad You agree it complies with this clause 3.
3.2 Ads must only advertise motorcycles for sale unless We give You Our express permission for other items to be advertised.
3.3 By submitting an Ad You represent, warrant and agree that:
3.3.1 You own the item described in the Ad or otherwise have the right to offer it for sale;
3.3.2 facts stated in Your Ad are accurate and opinions stated in your Ad are genuinely held;
3.3.3 Your Ad does not contain anything which is defamatory, obscene, offensive, hateful or inflammatory, threatening, abusive, invasive of another's privacy, likely to cause annoyance, inconvenience or needless anxiety, or likely to mislead or deceive any person;
3.3.4 Your Ad is not likely to harass, upset, embarrass, alarm or annoy any person;
3.3.5 Your Ad does not breach any legal duty owed to a third party;
3.3.6 Your Ad does not promote any illegal activity;
3.3.7 Your Ad does not impersonate any person, or misrepresent Your identity or affiliation with any person;
3.3.8 Your Ad does not give the impression that it emanates from or is endorsed by Us;
3.3.9 Your Ad does not advocate, promote or assist any unlawful act;
3.3.10 Your Ad does not duplicate in whole or part another Ad you have submitted;
3.3.11 Your Ad complies with all current legislation, regulations, codes and guidelines, in particular those relating to advertising; and
3.3.12 Your Ad otherwise complies with these Terms.
3.4 We do not screen or approve Ads prior to their listing.
3.5 You may include up to ten photographs in Your Ad provided they are submitted in the form specified in the listing process.
3.6 By submitting an Ad You agree that We may post it on Classifieds and it may be viewed by registered and unregistered users.
3.7 Once You have successfully completed the listing process Your Ad will normally appear on Classifieds instantly, but we do not guarantee this. It is Your responsibility to check the listed Ad contains all the details You submitted and is otherwise correct and complete.
3.8 It is Your responsibility to delete Your Ad when an item is sold, or if you no longer wish to sell the item.
3.9 You must ensure any Ad you submit complies with these Terms. We may remove without notice any Ad which does not comply with these Terms and terminate or suspend the account of any person who has posted an Ad that breaches these Terms.
4 Responding to an Ad
4.1 In consideration of Us agreeing to allow You to search Classifieds for items for sale, You agree to comply with this clause 4.
4.2 You agree that You will only use, reproduce, copy or print an Ad for the purposes of You personally obtaining information in relation to purchasing a listed item. You may not use, reproduce, copy or print Ads or any part of them for any other purpose. You shall only use contact details of members published on Classifieds or otherwise obtained by You from a member to contact the member in connection with a genuine query relating to the purchase of an item offered for sale by the member.
4.3 We do not monitor or moderate Ads. You agree that the content contained in Ads is for information purposes only and does not constitute advice from Us which You can or should rely on, or Our endorsement of any item listed in an Ad. We have no knowledge of the accuracy or authenticity of any information in an Ad and You are solely responsible for satisfying Yourself as to accuracy and authenticity, the ownership or quality of any items offered, and their suitability for Your purpose, before making any agreement or arrangement with any member of Classifieds.
4.4 Any agreement or arrangement made as a result of an Ad is a private arrangement between the respective parties. We shall not be involved in any such agreement or arrangement and We are not party to any contract or agreement between You and another member or user of Classifieds.
4.5 You may contact members to respond to Ads by using contact details displayed. If no contact details are displayed You may contact the member by using the "Contact Seller" function. By using the "Contact Seller" function, You agree that Your name, email address and telephone number will be sent directly to the member and You agree to Your information being processed in this way. Any further correspondence must be directly between You and the other member and We will not pass on any other correspondence.
5 Abuse Notifications
5.1 If You believe that any Ad breaches these Terms, You may use the "Report this Trader" function. You will be asked to:
5.1.1 give the reason You believe the Ad breaches these Terms;
5.1.2 provide free of charge any assistance We reasonably require to investigate Your notification;
5.1.3 confirm You have a good faith belief that the Ad breaches these Terms and the information You have provided is true, accurate and complete in all respects; and
5.1.4 confirm Your name, address, telephone number and email address.
5.2 We are under no obligation to investigate or to take any action against any user of Classifieds and Our decision will be final in all matters.
5.3 You will reimburse Us for any costs, claims, expenses, losses or other liabilities We may incur as a result of You misrepresenting an Ad as breaching these Terms.
6 Privacy Policy
6.1 A full description of how Your data will be used is set out in our Privacy Policy. By submitting personal information to Us You are consenting to the processing of Your personal information by Us and Our agents in accordance with Our privacy policy.
7 Intellectual Property
Intellectual Property Owned by You
7.1 You represent, warrant and agree that no materials submitted through Your account or otherwise posted, transmitted or shared by You through Classifieds will violate or infringe the rights of any third party (including, without limitation, copyright, trade mark, privacy, publicity or other personal or proprietary rights).
7.2 You may only submit material to Classifieds that You have created or which You have permission to post. You confirm that: (i) You own or are permitted to submit to Us the content of any Ad You submit; (ii) the posting of any content You submit on or through Classifieds does not violate any applicable laws; (iii) if content submitted by You contains information relating to another person, organisation or business, You have their consent to the submission; and (iv) You are responsible for determining the purposes for which information relating to other people contained in content submitted by You is used.
7.3 Title to and interest in content submitted by You in accordance with these Terms shall vest in You. You hereby agree to grant Us a non-exclusive, transferable, royalty free, worldwide, perpetual licence to use such content for the purposes of providing Classifieds in accordance with these Terms.
7.4 By submitting any Ad which includes the trade marks or other intellectual property of any third party, You confirm that if we publish, store, host or display the same (in whole or part) on or through Classifieds worldwide for the duration of the listing We will not be infringing the intellectual property rights of the relevant rights' holder.
7.5 You agree that content posted by You (including Your trade marks and intellectual property rights) will be made available to other users without compensation to You.
7.6 You are responsible for making back-up copies of Ads that You submit. We are not liable for any loss of or damage to Your Ads.
Intellectual Property Owned by Us
7.7 As between You and Us, all information and images contained on Classifieds, other than content uploaded by You, is the property of Us and is protected by copyright laws. All software used on Classifieds is the property of Us or Our software suppliers and is protected by copyright laws. We reserve all Our rights. We grant You a limited licence to access and use Classifieds in accordance with these Terms. You may print off one copy, and may download extracts, of any page from Classifieds for Your personal reference only.
7.8 Except for Your own content You must not modify the paper or digital copies of any materials You have printed off or downloaded in any way, and You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
7.9 Our status (and that of any identified contributors) as the authors of material on Classifieds must always be acknowledged.
7.10 If You print off, copy or download any part of Classifieds in breach of these Terms, Your right to use Classifieds will cease immediately and You must, at Our sole option, return or destroy any copies of the materials You have made.
8 Legal disclaimer and limitation of liability
8.1 In some circumstances it is not permitted for a company that provides goods or services to a consumer to disclaim or limit its liability to the consumer. These Terms include some provisions that disclaim or limit Our liability to all users, including consumers. While We have taken care in preparing Classifieds, because We do not charge You to use Classifieds we consider it is fair to disclaim and/or limit Our liability in this way. If you are not prepared to accept these disclaimers and limitations you should not use Classifieds.
8.2 You understand and agree that You use Classifieds at Your own discretion and risk.
8.3 We do not intend anything published on Classifieds to be advice on which You should rely. Further, We do not warrant that We will verify the accuracy or completeness of anything published on Classifieds by third parties (including members who submit Ads). Therefore We will not be liable to You as a result of any reliance You place on anything published on Classifieds or any inaccuracy or incompleteness of anything published on Classifieds by third parties (including members who submit Ads).
8.4 Reference to third party goods and services on Classifieds, Ads, and other advertisements on Classifieds are for information purposes only. Such references, Ads and advertisement are neither an endorsement nor a recommendation by Us. You should make your own enquiries and investigations before relying on or making any purchase after viewing any third party goods and services, Ads, or other advertisements on Classifieds. We will not be liable to You as a result of any action you take pursuant to viewing any third party goods and services, Ads, or other advertisements on Classifieds.
8.5 We give no warranty that Classifieds will be uninterrupted, secure or error free. We will not be liable if for any reason Classifieds is unavailable at any time or for any period. From time to time We may suspend or restrict access to Classifieds in order to carry out repairs, maintenance or to introduce new facilities.
8.6 We shall not be liable for any loss or damage arising out of or in connection with Your use of Classifieds including, without limitation, indirect, or consequential loss or damage, loss of anticipated revenues, loss of business opportunities, loss of goodwill, loss or corruption of data or damage to reputation resulting from (a) Your use or Your inability to use Classifieds or (b) any transmissions received through Classifieds or as a result of Your use of Classifieds or (c) any reliance placed on any information found or content posted on Classifieds or (d) unauthorised access to or alteration of Your transmissions or data.
8.7 Nothing in these Terms shall operate to limit or exclude Our liability for death or personal injury caused by Our negligence, for fraud (including, but not limited to, fraudulent misrepresentation), or if We breach our privacy policy.
9 Indemnity
9.1 You shall indemnify and keep indemnified Us from and against all costs, expenses (including, but not limited to, legal and other professional fees and expenses) losses, damages and other liabilities (of whatever nature, whether contractual, tortious or otherwise) suffered or incurred by Us and arising out of or in connection with any breach of this Agreement by You, including any claims, actions or demands made against Us by any third party as a result of any breach or alleged breach of this Agreement by You, save to the extent that any such costs, expenses, losses, damages or other liabilities were caused or contributed to by any negligence or breach of this Agreement by Us.
10 Ads placed in the course of trade or business
This clause does not apply to You if You are a consumer. You are a consumer if You are using Classifieds in a personal capacity and not in the course of Your trade or business.
10.1 The Business Advertisement Disclosure Order 1977 requires advertisements by people who seek to sell goods in the course of business to make this clear (whether advertising on its own behalf or on behalf of another). It should be clear to viewers of advertisements whether they relate to sales by trade or private sellers. If you are a business seller or acting in the course of trade You must comply with the Order.
10.2 If you are using Classified in the course of trade or business You may not seek to apply Your own terms and conditions to Your use of Classifieds and any such attempted application of your own terms and conditions shall be void.
10.3 If You submit an Ad for sale of an item in the course of trade or business You accept this clause 10.
11 Links
11.1 As a convenience to Our users, We may provide links to third-party web sites. Linked sites are not under Our control. We make no representations as to the quality, suitability, functionality or legality of any linked sites. We accept no responsibility for these sites or for any loss or damage arising from Your use of them.
12 Viruses, Hacking and Other Offences
12.1 You must not misuse Classifieds by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to Classifieds, the server on which Classifieds is stored or any server, computer or database connected to Classifieds. You must not attack Classifieds via a denial-of-service attack or a distributed denial-of-service attack.
13 Waiver
13.1 No delay or failure of Us to insist upon or enforce performance of any provision of the Terms or to exercise any right under the Terms will be deemed to be a waiver or in any way prejudice Our rights under these Terms.
14 Assignment
14.1 You are not entitled to assign, sub-contract or otherwise dispose of any of Your rights or obligations under these Terms without Our prior written consent.
14.2 We may at any time and without seeking Your consent assign or sub-contract Our rights and obligations under these Terms to a third party (the "Transferee"). On condition that the Transferee undertakes for Your benefit to perform with effect from the date of assignment all of Our obligations under these Terms, You shall accept such performance and shall release Us from any and all obligations and liability under these Terms arising on or after the date of assignment.
15 Changes to these Terms
15.1 We may revise these Terms at any time by amending this page. Some of the provisions contained in these Terms may be varied by provisions or notices published elsewhere on the Site or Classifieds. We will give You as much notice as We reasonably can of any such change. You are expected to check this page from time to time to take notice of any changes, as they are binding on You.
16 Changes to Classifieds
16.1 If We revise or amend Classifieds and/or the services provided through Classifieds We will give You as much notice as We reasonably can by sending an email to Your registered email address and/or posting a notice on Classifieds. However, in some circumstances for operational or legal reasons We may need to revise or amend Classifieds and/or the services provided through Classifieds without notifying You or We may consider that a revision or amendment will not have a material effect on You. In those situations we will notify You as soon as reasonably practicable after We have made such revision or amendment.
17 Contact Us
17.1 If You have any questions about these Terms please contact Us using the following details - classifieds@bennetts.co.uk